Se poate dezactiva Zasoby Verification?
Răspuns scurt: betalerul poate continua după avertisment, dar băncile și PSP-urile nu pot renunța — Verification of Payee este obligatorie conform Regulamentului privind plățile instant.
What you can and can't switch off
Verification of Payee is designed to be informative, not blocking: it shows the payer whether the name matches before they confirm. The payer can still decide to send, correct the name, or stop. In that sense, no one is forced to obey the result.
However, offering the check is mandatory for leverancierii de servicii de plată. Under the Verordening instantbetalingen, every PSP that offers euro overboekingen must provide a free VoP check to payers — so a bank cannot simply turn the feature off.
It depends who you are
If you're a payer
You can't remove the check, but you're never forced to follow it — you decide whether to proceed after a warning.
If you're a bank or PSP
Musisz oferi VoP pentru overboekingen credit în euro; renunțarea nu este permisă conform regulamentului.
If you're a business
You can't disable the scheme, but you can integrate it cleanly so legitimate bulk payments aren't slowed down.
Seeing a VoP check you didn't expect?
If a name check appeared on a payment, it's your bank meeting the EU's Verification of Payee requirement — a safeguard against sending money to the wrong account. It's free and adds only a fraction of a second.
FAQ
Not as a feature. VoP is mandatory for PSPs under the Verordening instantbetalingen. As a payer you can't switch it off, but you can choose to proceed after a no-Overeenkomst warning — the check is advisory, not blocking.
Yes. VoP informs the decision; it doesn't block the payment. After a Bijna overeenkomst or Geen overeenkomst the payer can still confirm, correct the name, or stop.
No. Any PSP offering euro overboekingen in the EU must provide a free Verification of Payee check, with deadlines of October 2025 (euro area) and July 2027 (non-euro EU).
Because your bank now offers Verification of Payee to comply with EU rules. It confirms the begunstigde name matches the IBAN before you send, to reduce plăți greșit direcționate and fraud.
Implementing VoP for your institution?
We'll help you offer a compliant, low-friction Verification of Payee check.